Synchrony Financial (SYF-PA) Times Interest Earned (2013 - 2026)

Synchrony Financial (SYF-PA) reported Times Interest Earned of $2.08 for Q1 2026, up 9.21% on a YoY basis from $1.91 in Q1 2025, and up 5.22% quarter-over-quarter from $1.98 in Q4 2025.

Synchrony Financial (SYF-PA) Times Interest Earned (2013 - 2026) Analysis & Trends

Synchrony Financial has reported Times Interest Earned for 14 years, with the latest figure at $2.08 in Q1 2026.

  • For the quarter ending Q1 2026, Times Interest Earned rose 9.21% year-over-year to $2.08; the trailing twelve-month figure through Mar 2026 stood at $2.17 (up 17.7% YoY), and the FY2025 full-year result was $2.12, up 6.81% from the prior year.
  • Times Interest Earned for Q1 2026 stood at $2.08, up from $1.98 in the prior quarter.
  • The five-year high for Times Interest Earned was $17.89 in Q1 2022, with the low at $1.5 in Q4 2023.
  • Historically, Times Interest Earned has averaged $4.72 across 5 years, with a median of $1.98 in 2025.
  • The largest YoY upside for Times Interest Earned was 235.03% in 2022 against a maximum downside of 90.02% in 2022.
  • Synchrony Financial's Times Interest Earned stood at $1.57 in 2022, then declined by 4.71% to $1.5 in 2023, then increased by 24.88% to $1.87 in 2024, then climbed by 5.78% to $1.98 in 2025, then increased by 5.22% to $2.08 in 2026.
  • The last three Times Interest Earned figures came in at $2.08 (Q1 2026), $1.98 (Q4 2025), and $2.41 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Times Interest Earned (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 40.64
2 Mastercard 437.55 Bn 427.34 Bn - 26.52
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 1.80
4 Capital One Financial 112.47 Bn 35.97 Bn - 1.66
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn -
6 Synchrony Financial 24.26 Bn 3.70 Bn - 2.08
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.78
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.12
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.49
10 Synchrony Financial - - - 2.08

Historic Data

Download Data
DateValue
Mar 31, 2026 2.08
Dec 31, 2025 1.98
Sep 30, 2025 2.41
Jun 30, 2025 2.18
Mar 31, 2025 1.91
Dec 31, 2024 1.87
Sep 30, 2024 1.87
Jun 30, 2024 1.72
Mar 31, 2024 2.47
Dec 31, 2023 1.50
Sep 30, 2023 1.84
Jun 30, 2023 1.82
Mar 31, 2023 8.82
Dec 31, 2022 1.57
Sep 30, 2022 12.53
Jun 30, 2022 15.81
Mar 31, 2022 17.89
Dec 31, 2021 15.75
Sep 30, 2021 7.25
Jun 30, 2021 22.59